3 Laredo Pl, Palm Coast, FL 32137 Property Records

Flagler County property record for 3 Laredo Pl, Palm Coast, FL 32137

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,960 sqft · built 2019
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$272,000 (Oct 2020)
Tax Bill	$3,851 (2025)
Deeds & Mortgages	Jun 2026 Transfer Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-11-31-7037-00590-0060`

Property Details

APN / Parcel Number

Primary APN	`07-11-31-7037-00590-0060`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,960 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Driveway	Concrete Driveway
Driveway Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3 LAREDO PL
City	PALM COAST
State	FL
Zip	32137-9612
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALM COAST SECTION 37 BLOCK 00059 LOT 0006 SUBDIVISION COMPLETION YEAR 1981 OR 452 PG 880 OR 2053/1515-ACM OR 2053/1516-DC OR 2123/946 OR 2367/577
Legal Range	31E
Legal Township	11S
Legal Section	07
Legal Subdivision	PALM COAST
Legal Block	59
Legal Lot Number	6
Jurisdiction	FLAGLER FL
Township / Civil Division	BUNNELL
Census Block Group	1
Census Block	1029
Census Tract	60216

Owner

3 Laredo Pl is owned and occupied by two individuals who acquired it in May 2026.

Source: Flagler County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3 LAREDO PL, PALM COAST, FL 32137-9612
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Oct 28, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jul 2, 2019	Grant Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2020 · Amount on File
Deed Sale	Oct 28, 2020 · Amount on File
Prior Sale	Oct 28, 2020 · Amount on File
Deed Document Number	202044176
Deed Book / Page	2490 / 126
Last Transfer Date	May 26, 2026
Transfer Doc	0000022195
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FLAGLER FL
Recording Date	Jun 4, 2026
Property Address	3 LAREDO PL, PALM COAST, FL 32137-9612
Document Number	0000022195
Book / Page	3059 / 128
Instrument Date	May 26, 2026
Instrument	202622195
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	3 LAREDO PL, PALM COAST, FL 32137-9612
Investor	Possibly a Property Investor

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FLAGLER FL
Recording Date	Oct 28, 2020
Property Address	3 LAREDO PL, PALM COAST, FL 32137-9612
Document Number	0024900126
Book / Page	2490 / 126
Map Reference	MB 13 PG 1
Instrument Date	Oct 23, 2020
Instrument	2020044176
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	CUTLER TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 LAREDO PL, 3, PALM COAST, FL 32137-9612

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2104 8TH ST SE, EAST GRAND FORKS, MN 56721-3005

Mortgage

Document Number	0002490128
Date	Oct 28, 2020
Instrument	2490/128

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	FLAGLER FL
Recording Date	Jul 2, 2019
Property Address	3 LAREDO PL, PALM COAST, FL 32137-9612
Document Number	0023670577
Book / Page	002367 / 000577
Instrument Date	Jul 1, 2019
Instrument	24564
Transaction Type	Transfer
Record Updated	Jul 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,855.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 LAREDO PL PALM COAST FL 321379612, PALM COAST, FL 32137-9612

Mortgage

Document Number	23670578
Date	Jul 2, 2019
Book Page	002367/000578
Instrument	24565

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3 Laredo Pl was $3,851 with exemptions applied.

Source: Flagler County assessment roll, as of December 8, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Flagler County
Municipality	Palm Coast City
Unified School District	Flagler County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,851.00 Homeowner's exemption Veteran's exemption	$260,042	$335,998 Land $55,500 Building $280,498
2023	$3,734.00 (+0.95%) Homeowner's exemption	$244,260 (+3%)	$330,007 (+10.38%) Land $46,500 Building $283,507
2022	$3,699.00 Homeowner's exemption	$237,146	$298,983 Land $47,000 Building $251,983

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3 Laredo Pl in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 5, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 70 policies
Community Rating System	Class 4 (30% premium discount)
Nearby Flood Policies	70 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3 Laredo Pl is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF PALM COAST UTILITY private · serves 112,324 people · EPA ID FL2180863
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 229 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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